Lessons From The “Machinery Room”
While digitization helps businesses better address customer expectations, it has become just another management headache along with low interest rates, regulatory scrutiny, value chain fragmentation and consolidation pressures. Technological possibilities have turned into tangible options, and as such, management should treat these advancements as prioritized agenda items and reintroduce the need for machinery room capabilities.
While refining some key success factors already identified in our 2016 paper, this digitalization update note focuses on:
- Cost and revenue drivers impacted by digitalization
- A rapid review framework for fixing basic IT gaps preventing banks from successfully getting started with digitalization
- A maturity framework for assessing the current state of digitalization in banks
- An example case study on per-transaction cost effects from digitalization
A&M would be happy to discuss our insights and to help you digitalize more cost and revenue effectively.
Click here to read more.
Settlement Speed Alone Does Not Enable Autonomous Execution
July 7, 2026
Most agentic commerce narratives fixate on AI, but that misses the real shift. It’s not that software can decide; it’s that it can move money autonomously, without waiting for human approval at every step.
From CX to AX: Experience in the Age of Agents
July 6, 2026
Modern-day banking is a story of interfaces. But with the rise of agentic AI, the question becomes, "Who are you targeting when your human customer owns the account, but their agent is making 80% of their routine financial decisions?"
KSA Banks Maintain Resilience as Deposits Grow 3.9% in Q1 2026
July 1, 2026
The latest edition of the Saudi Arabian Banking Pulse analyzes the Q1 performance of the Kingdom's ten largest listed banks. The quarter underscored the resilience of the banking sector, supported by healthy loan growth, stable margins, and easing credit costs.
UAE Banks Deliver Strong Q1 2026 Performance as Lending Growth Reaches 5.8%
July 1, 2026
The latest edition of the United Arab Emirates (UAE) Banking Pulse analyzes the Q1 performance of the country’s ten largest listed banks. The quarter was marked by strong balance sheet growth, improved asset quality, and resilient profitability
